Handle it like a voluntary repo - call and arrange pickup or you deliver to an agreed upon location. With some banks it's any bank branch. Because you can guarantee that if you don't you *will* wake up one morning to find it gone once they issue a repo order on it, BK or not at the end of the day it's still a repo. How long you have varies from lender to lender, but in many cases it's 60-90 days (and zero notice - they tend not to warn people the repo man is coming lest they start hiding the asset.).